Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 1 Cr
No. of Plans
1
Solvency Ratio
2.0
Pan India Presence
850+
Star Criticare Plus Policy falls under a dual benefit plan, as policyholders can get the coverage of health insurance and as well as critical illnesses. Star Criticare Plus provides a lump sum payment for long-term diseases such as cancer, chronic kidney disease, brain tumor, major organ transplant, Cerebro-Vascualr Stroke causing Hemiplegia, Acute Myocardial Infarction, established irreversible coma, and many more critical diseases. One of the distinctive features of this policy is that it provides cover for non-allopathic treatments up to a certain limit.
Star Criticare Plus Policy offers a fair range of sum insured options from 1 Lakh to 10 Lakh with an age gap of 18 to 65 years. This plan provides policyholders coverage for themselves along with any one family member under Star Criticare Plus Policy.
To understand Star Criticare Plus Policy Insurance in detail, take a look at the below table:
18 to 65 years
Critical Illness Health Insurance
2 L | 10 L
90 Days
NA
1 Year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Read more specifications in the brochure.
With wide coverage options available, Star Criticare Plus Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Not Covered
OPD Charges
Not Covered
COVID-19 Treatment
Not Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Not Covered
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Not covered
Compassionate Travel
Not covered
Global Coverage
Not covered
E-Consultation
Not covered
Health Check-Up
Not covered
Second Medical Opinion
Not covered
Vaccination
Not covered
Co-payment
Applicable
Sub-limits
Applicable
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Star Criticare Policy has multiple advantages that policyholders can avail after the purchase.
Organ Donor expenses are not availabe.
Multiple discount options
Avail up to 25% of the Sum Insured
Ambulance coverage
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
With the Star Criticare Plus Policy policyholders get hospitalization expenses (excluding the cost of the organ and organ donor) incurred during the course of organ transplant to the insured.
Star Criticare Plus Policy offers discount options to its policyholders such as 5% for up to 2 members and 10% for more than 2 members.
Expenses incurred for Ayurvedic/Homeopathic/Unani Treatment are admissible up to 25% of the sum insured or subject to a maximum of Rs. 25,000/- per policy period is provided for the treatment of Illness or Injury.
The policy provides additional coverage for ambulances. Emergency ambulance charges for transporting the insured patient to the hospital up to a sum of Rs.750/- per hospitalization and an overall limit of Rs.1,500/- per policy period.-
Star Health Insurance Plan Detailed Review
All about Star Health Insurance and Plans
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
To understand how much premium amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums.
Sum Insured / Age in yrs | 18 - 35 | 18 - 45 | 18 - 55 | 18 - 65 | Above 65 |
Rs.2,00,000/- | 3,750/- | 4,200/- | 6,400/- | 7,550/- | 11,150/- |
Rs.3,00,000/- | 5,400/- | 6,000/- | 8,900/- | 11,600/- | 16,200/- |
Rs.4,00,000/- | 7,000/- | 7,680/- | 12,300/- | 15,900/ | 21,050/- |
Rs.5,00,000/- | 8,400/- | 9,400/- | 15,200/- | 19,500/- | 25,900/ |
Rs.10,00,000/- | 14,600/- | 16,100/- | 22,600/- | 28,200/- | 35,350/ |
Permanent diseases or health conditions that are not included under Star Criticare Plus Policy are:
Medical expenses related to the treatment of any illness within 30 days from the first day of commencement of the policy will be excluded.
Expenses on the treatment of Benign Prostate Hypertrophy, Hernia, Hydrocele and related disorders, treatment for gallstones and renal stones are not covered during the first year of the policy.
Expenses on the treatment of Cataracts, Hysterectomy for Menorrhagia or Fibromyoma, treatment for knee or joint, Prolapse of the intervertebral and many other diseases, after two years from the date of commencement of policy will be excluded.
Expenses related to X-ray, or laboratory examinations other than primary hospitalization will be excluded.
Cost of medical aids such as wheelchairs, crutches, contact lenses, hearing aids etc.
Circumcision, vaccination, inoculation, and dental treatment.
Cosmetic and aesthetic treatments.
Change of gender treatments, sterility and infertility treatments.
Expenses related to obesity treatments and weight management treatments or any unproven treatment.
Sexually transmitted diseases, HIV, venereal diseases.
Refractive Error, spectacles, correction of eyesight.
Expenses related to any hazardous or adventure sports.
Expenses on the treatment related to pregnancy, childbirth, miscarriage, abortion, etc.
Treatment for Alcoholism, drug or substance abuse or any addictive condition.
Injuries caused while under the influence of alcohol or drugs.
Intentional self-injuries.
Hospital registration charges, record charges, incidental and miscellaneous expenses and telephone charges.
Hospitalization out of war, nuclear weapons, riots, and strikes.
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Pre-existing diseases after 48 months
Listed Illness 3 Months
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